# Universal vs AFP Popular

The clearest difference is rating: Universal at 4.7 against AFP Popular's 4.0. Universal also leads on ratings volume (1.1K vs 7). AFP Popular's advantage is review sentiment (100% vs 58%). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Universal holds the better App Store score, 4.7 against 4.0. That said, the two scores are not equally well evidenced: Universal has 1.1K ratings behind it against 7, so its average is the more settled of the two. Written reviews complicate that: 58% of Universal's written reviews are positive against 100% of AFP Popular's, so the app with the better star average is not the one people write more warmly about.

Universal ships an update every 3 weeks, AFP Popular every 6 weeks. The most recent releases landed on September 26, 2026 and September 10, 2026 respectively.

## The numbers

| Metric | Universal | AFP Popular |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.1K ratings)](https://appshunter.io/ios/app/universal/id553220289/reviews)** | [4.0 (7 ratings)](https://appshunter.io/ios/app/afp-popular/id1448103618/reviews) |
| Number of ratings | **1.1K** | 7 |
| Positive reviews | 58.3% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 6 weeks |
| Monetization | Free | Free |
| Size | 179 MB | 58 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Grupo Universal](https://appshunter.io/developer/909013508) | [ADMINISTRADORA DE FONDOS DE PENSIONES POPULAR S.A.](https://appshunter.io/developer/1448103617) |

## What reviewers say

### Universal

[App page](https://appshunter.io/ios/app/universal/id553220289)

Access your insurance products, coverage, and services. Manage health benefits, make payments, view your network, and access digital insurance cards. Also, handle auto insurance claims and roadside assistance, plus manage investment funds.

**Highlights:** View insurance products and coverage, Manage health benefits and pharmacy coverage, Make online payments, Access digital insurance cards, Submit and track claims, Request roadside assistance, Manage investment funds

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Efficient notifications
- 👍 Easy to use
- 👍 Helpful for managing insurance
- 🚀 Immediate notifications

**What reviewers complain about**

- 🐛 Crashes when accessing notifications
- 🐛 Incorrect plan information displayed
- 🐛 Unable to register with passport number
- 🐛 Unable to view caenets

**Reported bugs**

- Crashes when accessing notifications
- Incorrect plan information displayed
- Unable to register with passport number
- Unable to view caenets

**Requested features**

- Add email to report errors
- Improve provider selection when names are long
- Add ability to record personal medical information
- Integrate provider coverage and plan details


### AFP Popular

[App page](https://appshunter.io/ios/app/afp-popular/id1448103618)

Access your pension fund information, view your individual capitalization account balance, and redeem offers from the Club de Vida. Easily consult contribution movements, view your affiliation months, and use the pension calculator.

**Highlights:** View pension fund information, Check individual capitalization account balance, Consult contribution movements, Use pension calculator, Access Club de Vida offers, Manage profile and requests

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Universal free?

Universal is free to download, with no in-app purchases.

### Is AFP Popular free?

AFP Popular is free to download, with no in-app purchases.

### Which has better reviews, Universal or AFP Popular?

Universal is rated higher. Universal averages 4.7 out of 5 from 1.1K ratings, while AFP Popular averages 4.0 from 7 ratings.

### Do Universal or AFP Popular have ads?

Neither Universal nor AFP Popular shows ads.

### Which is updated more often, Universal or AFP Popular?

Universal ships an update every 3 weeks, and AFP Popular every 6 weeks. Most recently, Universal was updated on September 26, 2026 and AFP Popular on September 10, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*